Actuarial Value and Employer-Sponsored Insurance. Introduction


The composite 2010 ESI actuarial value distributions were based on a 2009 analysis done for DOL from the BLS National Compensation Survey (NCS) using 2005 data.  The data were representative of plans covering persons under age 65 with ESI through active employment.  The expenditure profiles used in analyzing the plans were based on persons with employer sponsored insurance from the Medical Expenditure Panel Survey-Household Component (MEPS-HC).  These NCS-based estimates were then adjusted to reflect the small effect that induced demand has on actuarial values.  The results were then projected to 2010 based on our work with Kaiser Family Foundation/Health Research & Education Trust (KFF/HRET) data for 2006 through 2010.  The final step was then to augment the low-end of the distribution based on estimated numbers of so-called mini-med plans (whose limited benefit designs are poorly reflected in both the NCS data and the KFF/HRET survey).

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